Is the financing commitment binding or not?

There are no numbers in the offer... but it doesn't matter, you don't have to accept it just because THEY would. You can also go somewhere else.

At the beginning, I received a financing offer. I then said I want to submit an application (for these specific conditions). Can the conditions still change? Or can they just add different interest rates for me?

There are no figures in the commitment... but that doesn’t matter either, you don’t have to accept it just because THEY would do it. You can also go somewhere else.

But if I then attend the notary appointment, I sign the purchase contract and the bank is then entered in the land register (purchase contract and land charge registration at the same appointment). Afterwards I get worse conditions, for example, I don’t accept that and then I have to look for another bank and delete the land charge from the first bank. Couldn’t that be problematic or can I just delete the land charge from the first bank? Or what happens in that case?

Hello please do not attend the notary appointment and do not have a mortgage registered. It is associated with costs. Just wait for the loan agreement. Call on Monday and ask when the contract with the conditions and payment plan will come. Finished

At the beginning I received a financing offer. I then said I want to submit an application (for these specific conditions). Can the conditions still change?

Well, I already wrote that there. Theoretically yes, practically rather unusual without explicit notice. Nevertheless, the sequence is of course correct. First confirm the loan, then the notary.

Yes, of course they can and do. From the first conversation with my house bank, we received a commitment and agreed to sign as late as possible due to the 9-month interest-free period, so that it does not expire too early. And it was exactly right that way. However, it was clear from the beginning that the interest conditions apply from the day of signing and not from the initial conversation. But it was to our advantage because the interest rate went down even further ;)

Absolutely correct, but we are talking about tenths of a percentage point due to market developments and not a doubling of the interest rate. He probably won't change the mortgage and start over because of 0.1 or 0.2 percentage points. Especially since, with market developments, other banks usually follow suit.